Fifth District Bancorp, Inc.
FDSB Nasdaq· Savings Institution, Federally Chartered
Last close · Oct 27, 2026
$17.23
KIRA · Stoqly’s AI analyst, in plain words
- Fifth District Bancorp, Inc. had $0.6M of revenue in fiscal 2025, down 2.3% on the year before.
- Fifth District Bancorp, Inc. made $4.1M of net profit in fiscal 2025.
- It earned 3.2% on shareholders’ money. Running costs took 2,162.5% of revenue (the efficiency ratio; lower is better).
Market cap
$83.9M
P/E
52.2x
Revenue
$0.6M
Net income
$4.1M
Return on equity
3.2%
Efficiency ratio
2,162.5%
Fifth District Bancorp, Inc. in 30 seconds · fiscal 2025
Are sales growing?
−2.3%
No. Sales fell 2.3% last year.
Does it make a profit?
675.7%
Yes. It keeps 675.7% of every sale as profit.
How lean are its costs?
2,162.5%
Costly. Running costs take 2,162.5% of revenue.
How much does it earn on its capital?
3.2%
Low. It earns 3.2% a year on shareholders’ money.
How is the share priced?
52.2x
One share costs 52.2 times its yearly profit per share.
What Fifth District Bancorp, Inc. does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Mar 24, 2026
- Legal name
- Fifth District Bancorp, Inc.
- CIK
- 0002012726
Fifth District Bancorp, Inc. · FDSB
Results and finances
The last 3 fiscal years. Amounts in USD.
| Fiscal year | FY23 | FY24 | FY25 |
|---|---|---|---|
| Sales and profit | |||
| Revenue | $0.6M | $0.6M | $0.6M |
| Revenue growth | — | 0.8% | −2.3% |
| Net interest income | $10.0M | $10.1M | $12.8M |
| Net income | $0.8M | −$1.1M | $4.1M |
| Net margin | 129.8% | −174.2% | 675.7% |
| Diluted EPS | — | −$0.21 | $0.80 |
| Cash | |||
| Cash from operations | $0.8M | −$1.1M | $1.3M |
| Capital expenditure | $1.9M | $0.5M | $0.4M |
| Free cash flow | −$1.1M | −$1.6M | $0.9M |
| FCF margin | −181.1% | −252.7% | 155.7% |
| Share count change | — | — | −0.2% |
| Debt and strength | |||
| Cash and short-term investments | $19.3M | $37.9M | $33.9M |
| Loans, net | $365M | $367M | $376M |
| Deposits | $390M | $391M | $393M |
| Shareholders' equity | $77.8M | $126M | $130M |
| Returns and quality | |||
| Return on equity | 1.0% | −1.1% | 3.2% |
| Return on tangible equity | 1.0% | −0.9% | 3.2% |
| Efficiency ratio | 1,694.0% | 2,053.8% | 2,162.5% |
Insiders bought, 12 months
$0.0M
0 insiders
Insiders sold, 12 months
$0.2M
2 insiders
Of sales under plans
0%
$0.0M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Net income:
- Profit after all expenses, interest and tax.
- Efficiency ratio:
- Noninterest expense as a share of revenue. Lower is better for banks.
- Return on equity:
- Net income as a share of average shareholders' equity.
- Return on tangible equity:
- Net income to common over equity minus goodwill and intangibles.
- Diluted EPS:
- Net income per diluted share.
Fifth District Bancorp, Inc. · FDSB
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Return on equity and efficiency ratio
Loans and deposits
Dividends and buybacks
Diluted EPS
KIRA
At $17.23 a share, the company is worth $83.9M: 52.2 times its earnings of the last four quarters.
Source: SEC EDGAR XBRL filings (CIK 0002012726). Data updated October 24, 2026. For information only — not investment advice. Check the original filings before relying on any figure.